Unlike a credit card, the Transcash Mastercard prepaid card does not give you access to credit. Your spending is limited to the amount you have loaded onto the Transcash card and is debited immediately. You cannot go overdrawn when making purchases, so there is no risk of having to pay surcharges.
The Transcash Mastercard prepaid card is not linked to a bank account, so you can benefit from the services (secure payment to all Mastercard merchants, ATM withdrawals, contactless payment, international payment and much more…) without opening a bank account.
The Transcash Mastercard prepaid card gives you additional services like money transfers, which would not be possible with a regular credit card.